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From debt to freedom...

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  • savingholmes
    savingholmes Posts: 28,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You could try the human rights argument... So sorry you are going through this
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Parkyp
    Parkyp Posts: 883 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    That’s good your solicitor is looking to get something in place.
    well done to young children 👏👏 for doing well at school. It was a special treat to reward them, nothing to feel guilty about. 
    Great news ds2 has got an apprenticeship, I agree teach them to save. 
    Is that your painting finished in the living room now? 
    Enjoy your weekend 
  • Great encouragement of DS2, wish my parents had had that chat with me earlier in life!

    Fish and chips on the beach sounds like a great treat, very jealous of your close proximity to the beach. Can't wait for a chance to move closer to the sea!
    Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
    OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
    Emergency Fund Target: 3 months saved ✅
     
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